Some people put the cut-off at 1984, but for most it is 1980. People born after that date are the digital natives; those born before are digital immigrants, doomed to be forever strangers in a computer-based strange land.

The generational difference between the groups goes beyond their numbers of Facebook friends and Twitter followers: it can also help to explain differences in how they buy insurance. At least, that’s according to a report released this week for the insurance industry. Targeting Millennials with Insurance explains that young people aren’t like those who came before and queued passively for cover. They “prioritize holidays”, for one, which might surprise some of them. Because they are digital natives, they “will favor technologically innovative insurance policies”.